| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $341,107 |
UBS FINANCIAL SERVICES INC6+ years Filed as: UBS FINANCIAL SERVICES, INC. Service code 27 · EIN 13-2638166 | Advisory (Plan) | $40,000 |
BMO HARRIS BANK NA6+ years Filed as: BMO HARRIS BANK, N.A. Service code 19 · EIN 36-2085229 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,088 | $48,464-23.5% | $90,974-59.2% | $106,273-65.1% |
| Participation rate | 9.4% | 53.1%-43.7pp | 69.0%-59.7pp | 70.8%-61.4pp |
| Annual return | 17.64% | 16.72%+0.9pp | 134.60%-117.0pp | 21.70%-4.1pp |
| Employer contribution / active EE | $0 | $939-100.0% | $2,122-100.0% | $2,722-100.0% |
| Participant deferral / active EE | $307 | $1,510-79.7% | $3,373-90.9% | $4,601-93.3% |
| Admin fee / account holder | $72 | $58+24.8% | $5,961-98.8% | $78-7.7% |